First Progress Platinum Prestige MasterCard® Secured Credit Card

For People with
Bad Credit



This is a card for people who wants to start building credit with no credit history or some major credit history blemishes.

Card Quick Facts

Card Quick Facts

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
  • We can approve you at any credit score, no minimum required.
  • No processing or application fees required.
  • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 – $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI

For People with
Bad Credit



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Card Details




How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $49
Additional Cards Annual Fee -
Regular Purchase APR 9.99% Variable
Intro Purchase APR N/A for N/A
Foreign Transaction Fee See Terms
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee See Terms
Returned Payment Fee See Terms
Balance Transfers

Balance Transfers

Intro Balance Transfer APR N/A for N/A
Regular Balance Transfer APR See Terms
Balance Transfer Fee See Terms
Cash Advances

Cash Advances

Cash Advance APR 18.99% Variable
Cash Advance Fee See Terms

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 2 reviews
by RMC

If this review allowed ZERO stars that is what I would give this company and their stupid cards. Unfortunately I am FORCED to give this pathetic excuse of a card 1 star to post at all, and it doesn't even deserve THAT many.

I echo everything posted here by Walter on May 17, 2014. It's super easy to get one of these cards but thereafter the entire customer experience becomes a nightmare. They make it next to impossible to pay your bill on time -- literally. I am fifty years old now and have NEVER in my entire LIFE heard of a credit company that puts an automatic 10-day hold on your payment. Why they don't simply adjust the due date or plan ahead for this and work it into the due date is beyond me.

Then there is the fact that you cannot pay online, period. There is simply NO option for this whatsoever. First Progress / Synovus Bank -- are you freaking KIDDING me? It's not the 1980s anymore. NOBODY, but NOBODY in business these days fails to have an online payment option, whether through credit, debit, or PayPal. NOBODY!!! Get with the times. I can guarantee if you do, you'll see a lot more payments tendered on time. People do not have time to fuss about with old school check-writing and stamps and envelopes and trips to the post office, etc. etc. That's part of why we developed this technology -- to replace all that and make it easier than ever to pay our bills or make our purchases. One might seriously and sincerely question whether you actually want to get paid or not.

Last but by no means least, having a phone-in option for payment is worse than useless if you are going to charge an extra $10 every single time. People, please. This is a "small potatoes" card -- people get these cards with SECURED $300-$500 credit lines to rebuild credit scores after a bad patch. Payments are typically around $35/month. Nobody wants or needs to be forced to pay nearly 1/3 that amount as a so-called "courtesy fee" for the "privilege" of one faceless occupant in the telephone jockey pool processing a payment on the spot. I mean, seriously, these folks would get paid to work for FP regardless of whether any customers pay by phone or not -- correct? These employees DO service other purposes, yes? And not only that, but this company then goes further and continues with the ten-day hold in spite of the fact that generally nobody is paying by telephone unless its an emergency and they don't want to miss their due date, in the first place~!! ARGGGHHH!!!! There is just no winning with these guys and no end to the nightmare and headache until the damned card is paid off in full and you have your security funds returned to your hot little hand -- to be wisely invested in a proper Capital One secured card instead. World reknowned name, excellent customer service, even takes you back after you've messed up and gives you another shot to fix your credit.

Give First Progress a huge berth and complete pass -- you won't regret it. There are other credit-rebuilding fish in the sea -- and they actually know how to swim, too.

by walter
First Progress Master Card - easy to obtain, a nightmare to manage

It's not obtaining the card that is the problem. It's managing it after you are a card holder.

First Progress has a top notch internet presence and by all appearances it looks like a great way to rebuild your credit - which it can be.

Here's the problem.

Once you have the card, they make it very difficult to make your payments, unless you are licking a stamp and sending in a check the old fashioned way.

The online payment option is the reason I selected this card. Unfortunately, this is really a sham with First Progress. Once you are a card holder you are granted access to the Customer side of the web site. When you click "pay online" you are directed to a static web page that offers instructions on how to contact your bank and how to set up direct pay. They do not have a mechanism in place for a card holder to click and pay your bill. This is a real pain, and there is quite a delay from when you make the transaction at your bank until when the payment posts, and if you are not working 10 days ahead of the due date, you will end up with a late payment fee even if you paid the bill 3 days early. A huge inconvenience and something you have to manage carefully if you are working to rebuild your credit. One mistake and your report is dinged.

The second challenge with this card is their customer service telephone number. I have called this number dozens of times and have yet to talk to a human. This call in line is set up so you have several options to select, but everything loops back to the menu and each is a recorded message. Hitting "O" for operator gets you disconnected after the automated voice says "I didn't understand your input, Good bye". Just an awful customer experience. No human interaction and zero assistance with payment and balance questions.

And finally, strike three for this card, is that when you log in to the web site to check balance and payment dates and amount due, the web site frequently shows that half of the outstanding balance is due as the minimum payment, but when you call the automated line and put in your card information, the automated voice gives you a completely different payment amount. Incredibly confusing, and I am finding myself paying the larger amount to avoid a ding on my credit report.

Simply a horrible customer experience and very labor intensive. I have set up alerts on Google calendar so I wont forget to pay these guys well in advance. You are literally on your own with these guys.

I would not have applied for this card if the reviews would have had this information.

Compared to the Capital One card? All I can say is that the Cap One card has an I phone ap and I can pay my bill, check balance with the click of a button from anywhere in 10 seconds. They are awesome. And, they have an option that will send you an email every time you make a purchase and if you get close to your limit. This card's customer service and online infrastructure is so far superior It's difficult to describe.
Cap One delivers a fantastic Card Holder experience!

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